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Where to start

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sassymomof2
Frequent Contributor

Where to start

Its time for me to get away from my entry level credit limits and get something more suitable.

What cards do you think I would have a chance at getting? My scores are in my siggy.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 1 of 14
13 REPLIES 13
gettnthere
Established Contributor

Re: Where to start

what cards do you currently have and their cl's. also what does the rest of your credit profile look like?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 2 of 14
Anonymous
Not applicable

Re: Where to start


@gettnthere wrote:

what cards do you currently have and their cl's. also what does the rest of your credit profile look like?


+1  We need more info besides a credit score.  How much credit history do you have?  Average age of accounts?  Also, what kinds of cards are you looking for?  Low interest rate, rewards points/miles, cashback, or benefits heavy?

Message 3 of 14
sassymomof2
Frequent Contributor

Re: Where to start

I have an orchard bank visa cl $300. Gemb/lowes $500. AAoa 6.5 years. No lates in past 24 mos. Old paid collections 1 paid judgment from 2009.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 4 of 14
sassymomof2
Frequent Contributor

Re: Where to start

Really don't care about rewards.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 5 of 14
Creditaddict
Legendary Contributor

Re: Where to start

1. Barclay Apple - Recon decline or approval for higher limit. - TU pull for them. START with them!

2.  Amex Zync.

3. You shop other places that also use GE for credit card? Ask Lowes for increase and ask for Manual review, you just ask CSR to transfer you to underwriting, the how about ebay, chevron, ummm sams, walmart? you might get lucky and get the visa version or amex, discover depending on the store you choose.

let those things update then pre-approval with Discover perhaps.

Message 6 of 14
sassymomof2
Frequent Contributor

Re: Where to start

The apple card scared me. So here are my results: app for amex and got the prg. And a Discover! I am over the moon. And going back to garden until the spring.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 7 of 14
rtw
Established Contributor

Re: Where to start

Congrats! I'd ask for a CLI on your Lowes. It's a SP.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 8 of 14
Creditaddict
Legendary Contributor

Re: Where to start


@sassymomof2 wrote:
The apple card scared me. So here are my results: app for amex and got the prg. And a Discover! I am over the moon. And going back to garden until the spring.

HAHA I LOVE IT!!

 

Always make great use of the very few options we have left for online pre-qualify with banks.

and yes now focus on this Lowes for a minute and get that kicked up!

Congrats again!

Message 9 of 14
tinuviel
Moderator Emeritus

Re: Where to start


@sassymomof2 wrote:
The apple card scared me. So here are my results: app for amex and got the prg. And a Discover! I am over the moon. And going back to garden until the spring.

 

How wonderful, congratulations! I'm so happy for you! Welcome to both the Amex and Discover families! Smiley Happy

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 10 of 14
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